Terrorism and political violence (PVT) insurance covers an individual or company against physical loss and damage, as well as business interruption costs, because of a terrorist act or acts of political violence such as riot, strike, civil commotion, revolution, war, civil war, rebellion, insurrection, sabotage, coup d’état and malicious damage, and consequential looting. It can occur as a stand-alone cover or as part of another policy such as Motor Vehicle insurance or Home Insurance commonly called a rider.